Critical Illness Insurance

Critical Illness insurance pays out a lump sum if you are diagnosed with a serious illness covered by your plan. And, best of all, you choose how you want to spend that money.

The chances of getting a life-changing illness are much higher than we believe.

Consider these statistics

One in three Canadians will develop life-threatening cancer.

One in two heart attack victims are under the age of 65.

Each year, 50,000 Canadians suffer a stroke; of all the stroke victims, 75% will be left with a disability.

The good news is survival is more likely than ever before.

With healthier lifestyles and advances in medical technology, Canadians are now surviving critical illnesses that were, at one time, life-threatening. For example, 80% of hospitalized heart patients, and an equal percentage of stroke victims, will now survive the initial event.

The bad news is recovery can be more expensive than ever.

Critical Illness insurance will allow you to focus on recovery. You can use the lump sum payout in any way you want:

Pay off your mortgage, credit cards or other debt

Save for your retirement

Pay for medications and treatments not covered by provincial health care

Pay for treatments not available in Canada and/or travel and accommodation costs

Modify your home or vehicle to improve your mobility

Hire home care or domestic help during your recovery

Fund a leave of absence for you and/or your spouse

You can't get this coverage anywhere else:

There are advantages to the critical illness plan covered by bclear. We are able to provide competitive rates through group purchasing power. This also allows us to include features that are not normally covered: